Investing - Theory, News & General • Earnings Growth vs. Dividend Yield...
Thank you for your answer, this makes sense. Dividend and earnings are related (no dividend without earning), but I now see how one company could choose to keep all earnings, therefore both need to be...
View ArticleInvesting - Theory, News & General • Robinhood 3% IRA Match
I'm making the move so I set up all three accounts tonight after some significant struggle with the driver's license upload because my phone won't scan the qr code and I had to research that...
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Personal Consumer Issues • Living in 55+ Communities?
I'm a bit puzzled by this generational comment too. Few, if any folks in their 20s thru 40s now would ever envision a 55+ community as a desirable move. So I get that. But you have no idea who you...
View ArticlePersonal Investments • Taxable account VOO & VBR?
Why not just pick VTI (total market), which has large, mid and small in a single fund that will be more tax efficient? Small value is not ideal for taxable accounts, so if you do insist on a separate...
View ArticlePersonal Investments • Major life change, need help please
At a high level, I think you need to generate more income: e.g., 1-2k or so per month which will help immensely. Try some part-time work: book-keeping, teaching, tuitions, baby-sitting, with whatever...
View ArticlePersonal Finance (Not Investing) • Behind financially, should we buy a house?
You should not buy this house right now. Wait it out. Maintain your flexibility of relocating, if it comes to that. Meantime, keep on saving.Statistics: Posted by Metsfan91 — Thu Apr 18, 2024 2:41 am...
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Investing - Theory, News & General • International (Non-US) versus US...
When I look at this graph my first reaction isn’t “look at those values for all of those other countries. They are obviously way too high!!”.https://www.statista.com/statistics/710 ......
View ArticlePersonal Finance (Not Investing) • What's your current savings rate?
It was 58% of gross in 2022, my last full year. 68% for first 5 months into 2023, when I retired. Now of course, I am no longer receiving a paycheck.Statistics: Posted by MathWizard — Fri Apr 19, 2024...
View ArticlePersonal Finance (Not Investing) • Is there a job that offers early...
My quasi government employer offers retiree health benefits at more or less the employee rate after 10 years of service after the age of 45. That is earliest you can start them is 55. It is way...
View ArticlePersonal Finance (Not Investing) • How can I close my Solo 401(k)?
Thank you for all the responses.In addition to the responses, I found a Vanguard checklist of how to terminate your Individual 401K plan. https://personal1.vanguard.com/pdf/s550.pdfSo I’d like to put...
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Personal Investments • Retirement Related Readiness/Investiments
.. Tax Filing Status: Married Filing JointlyTax Rate: 37% Federal, 10-12% State .. CaliforniaAge: 53 ..Our total portfolio is $7.5M excluding the value of the house that we are living in...Questions:...
View ArticlePersonal Investments • ISO Basic math re: best yields
If something is paying X% (fully taxable) and your tax rate is Y%, then the equivalent tax-free yield would be T is:T = X*(1-Y)Or the other way around, if something is paying T% tax free yield and...
View ArticlePersonal Finance (Not Investing) • Medical school (DO school) - Are we...
Former admission/interviewer with highly regarded MD school, former residency faculty here. My opinion is it matters MUCH less MD vs DO, BUT do make sure the school you are considering for that price...
View ArticlePersonal Finance (Not Investing) • Should we pull the plug and go OMY? (When...
Ages 55 (both in good health), living in VHCOL. May stay or move eventually to lower cost areaNet worth $6.7M, no debt. Kids recently launched. Real Estate:$1.1M primary house$0.6M vacation home...
View ArticlePersonal Finance (Not Investing) • Contemplating taking a step...
I am 45, married and have one kid. My wife and I are relatively high earners and we have saved a lot in our somewhat short working years. I earn about 60% of our income. I think we spend too much, but...
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Personal Finance (Not Investing) • The cost of not using credit cards with...
I would say you (and me and everyone else who uses rewards cards) are actually the one losing moey. My understanding of studies done on this is people pay more when transacting in the following order...
View ArticlePersonal Investments • QCDs at age 70 1/2
Your QCD donation is not taxed as a Traditional IRA withdrawal. So, if you are in the 22% bracket and give $1000, then you "save" $220 in taxes. You also reduce your T'IRA slightly. That is a benefit...
View ArticlePersonal Finance (Not Investing) • Yahoo Changed Something and Now My...
What the cheapest way to own the most current version of Excel? I hate all those subscriptions. I have Excel 2016 and do not have to pay another penny to continue to use it.I also dislike...
View ArticlePersonal Investments • Is VNQ unnecessary in my portfolio?
Of course it is not necessary…. People should stop thinking that it is important to invest in just this and just that particular asset or fund.According to this logic one could dump all their stocks...
View ArticlePersonal Consumer Issues • Found "perfect" house except for...
I would be more interested in the house than the driveway. All houses have issues, some are seen, and some are unseen. You can always ask for a concession. I could see my current home needed new...
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